So ... I got blindsided by a question so I decided to see what everyone else thinks.

Would a loan to purchase a (or refi for that matter) a boat slip be subject to TRID?

Is it over water or on dirt? I'd start there.

water ... attached to a dock

I don't think a boat slip meets the definition of real estate.

consumer purpose secured by dirt == TRID

Would TRID apply to boat racks that are over dirt? The racks will be condominiumized.

Are they consider "real property" under State law?

I would have to research. I do know that they are permanently affixed to the ground.

Currently we have an application for the purchase of a boat slip that is condominiumized and has a alt key/parcel ID on our country property records. Would this be a TRID covered loan?

Bump

I think John answered this above. Condominiumized or not, a boat slip doesn't meet the definition of real estate under TRID. It's not a dwelling and it's not attached to real estate.

My answer was offered a couple of years ago. Since then I've had time to think about how far the definition of "real estate" might go. Your best response above is Randy Carey's -- Is it considered real estate under state law?

This is really a State specific law issue and you should probably ask a real estate attorney in the State in question. In most States, the State actually owns the land under the navigable waters.